4 articles
An HO-4 is the standard renters policy for apartments, condos, and seasonal leases in the Carolinas. It covers your belongings, personal liability, and extra living costs after a covered loss, not the building or flood.
An HO-6 condo policy is built for the unit you own, not the whole building. Carolina coastal owners should size walls-in coverage, review loss assessment, and consider separate flood insurance.
Golf cart coverage on the Carolina coast depends on where you drive and how the vehicle is classified. South Carolina ties highway use to permits and liability; North Carolina often follows local ordinances, and LSVs are treated more like other motor vehicles.
On the Carolina coast, boat insurance is three decisions that work together: hull damage, liability, and storm-season planning. Small craft often have only thin homeowners limits, while larger boats and personal watercraft usually need a dedicated policy.
